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APPRAISER QUALIFICATIONS -

CAMMIE DICK

State Licensed Appraiser for Missouri Property Appraisal, Inc.,
Real Estate Appraisers and Consultants - Tipton, Missouri.

EDUCATIONAL BACKGROUND

Graduate - Crest Ridge High School, Centerview, Mo. - 1993

Attended - Central Missouri State University, Warrensburg, Mo.
Fall of 1993- Fall of 1995


PROFESSIONAL TRAINING


Foundations of Real Estate Appraisal -
January 1999, Lowman & Co., Sedalia, Mo
Uniform Standards of Appraisal Practice -
February 1999, Lowman & Co., Sedalia, Mo

Appraising the Single Family Residence -
February 1999, Lowman & Co., Sedalia, Mo

Two to Four Unit Residential Case Study-
February 1999, Lowman & Co., Sedalia, Mo

Real Estate Appraisal Methods-
March 1999, Lowman & Co., Sedalia, Mo

PROFESSIONAL CERTIFICATIONS

State Certified Residential Real Estate Appraiser, Missouri
Real Estate Appraisers Commission License # 2001015716

PROFESSIONAL AFFILIATIONS

Sedalia/Warsaw Board of REALTORS